HDFC Regalia Gold Credit Card: A Worthy Upgrade

Regalia Gold is the latest addition to the popular HDFC Regalia Credit card family, and a welcome one. Both HDFC Regalia and Regalia First were once one of the most popular and widely used all-rounder cards, but devaluation of features and rewards over the years had taken the sheen off the Regalia cards. But HDFC Regalia Gold may be the game-changer in the sub-5000 annual fee all-round card market.

A good reward rate, complimentary memberships on activation, international and domestic airport lounge access along with flight vouchers as milestone benefit are some of the strong features of the card. While the reward rate on Regalia Gold is the same as Regalia, the Gold variant provides an exclusive ‘Gold Catalogue’ that has additional premium brands for reward redemption. Here is a detailed review of HDFC Regalia Credit card.

HDFC Regalia Gold Credit Card Rating: ★★★★
Rewards Program	★★★★
Travel Benefits	★★★★
Milestone Benefits	★★★★

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There are several reasons to love HDFC Regalia Gold. First, at a Rs 2500 price point, few cards would be able to match up to the all-round benefits across travel and lifestyle that Gold offers. The welcome benefits of a Rs. 2500 gift voucher and complimentary memberships on activation  are great. HDFC’s Smartbuy platform has always been impressive, with several brands like Amazon, Myntra etc. present on it, and now with the Gold Catalogue that comes with the Regalia Gold card, users can redeem reward points also against premium brands like Apple, Fitbit and Bose.

After paying the joining fee in the first statement of the card, HDFC Bank also provides you with a Rs 2500 welcome gift voucher. Existing HDFC Bank consumers may get the card at zero joining fee (in that case, you would not get the gift voucher). The renewal fee waiver at an annual spend of Rs 4 lakh is not difficult to reach.

The reward rate for Regalia Gold is the same as Regalia of 4 RPs per Rs 150 spent, which is good, plus users get 5X reward points on platforms like Myntra, Marks and Spencer, Nykaa and Reliance Digital. HDFC has also upgraded the milestone benefit for Regalia Gold card as users now get free flight vouchers worth Rs 5000 each on reaching Rs 5 lakh and Rs 7.5 lakh annual spends respectively. There is an additional quarterly milestone benefit as well – a Rs 1500 gift voucher.

Domestic lounge access of 12 a year and international lounge access at 6 a year is more than good, and should be enough for most. With Regalia cards, you can also get add-on cards for your family members, that would also give both domestic and international lounge access.

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Welcome Benefit

• Complimentary Swiggy One Membership*
• Complimentary MMT Black Elite Membership*
• Gift voucher worth Rs. 2,500 on payment of joining fee

*On spending Rs. 1 Lakh within 90 days of card issuance.

Reward Points

• Earn 4 reward points per Rs. 150 spent across all categories including insurance, utilities and education
• Earn 20 reward points per Rs. 150 spent at Nykaa, Myntra, Marks & Spencer and Reliance Digital

Suggested read: Best Credit Cards for Reward Points

How to redeem the reward points?

The rewards points on HDFC Regalia Gold Credit Card can be redeemed against an exclusive Gold Catalogue on select premium brands, products and voucher purchase via SmartBuy. It can also be exchanged for Airmiles, used to make flight or hotel bookings on SmartBuy or converted to cashback. The conversion rate for each of these redemption methods is given below:

Lounge Access

• Complimentary Priority Pass Membership on completing 4 retail transaction on the card
• Avail up to 6 complimentary lounge visits per calendar year (primary + add-on member)
• 12 complimentary domestic lounge visits in a year

Also read: Best Airport Lounge Access Credit Cards

Milestone Benefits

Avail the following benefits on reaching spending milestones:

• Spend Rs. 1.5 Lakh in a quarter and get Rs. 1,500 vouchers from Marks and Spencer, Reliance Digital, Myntra or Marriott
• Spend Rs. 5 Lakh in a year and get flight vouchers worth Rs. 5,000
• Reach total annual spends of Rs. 7.5 Lakh and get additional Rs. 5,000 flight voucher
• Get renewal fee waived off on spending Rs. 4 Lakh in a year

HDFC Regalia vs. HDFC Regalia Gold

HDFC Regalia Gold is an upgraded version of HDFC Regalia Credit Card. While the annual fee is the same for both cards, the Gold Variant has a more extensive set of features. A few years ago, Regalia had similar features but was eventually down-valued.

Here is a comparison between the two cards:

Which is better?

If you have a Regalia or Regalia First variant, we would suggest you to move to Gold because:

1. Though the base reward rate is same, HDFC Regalia Gold offers accelerated earnings on certain brands along with the option to redeem the accumulated rewards against Exclusive Gold Catalogue, which has some good premium brands. Lounge access benefits are also better on Gold.
2. While HDFC Regalia offers bonus reward points on reaching spending milestones, cardholders can avail flight vouchers up to Rs. 10,000 (by spending Rs 50,000 less) with the Regalia Gold Credit Card, that should be more beneficial

However, if you rarely travel and prefer RPs as milestone benefits, you may stick to the Regalia card.

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